Florida statute requires insurance carriers to offer premium discounts for homes with verified hurricane mitigation features. Impact windows qualify under the opening protection category of the wind mitigation inspection (Form OIR-B1-1802). When every window and door opening in the home has code-compliant impact protection, the home receives the highest rating in that category, which typically produces the largest available premium reduction on the windstorm portion of the policy. The inspection must be performed by a licensed inspector after the installation is complete and the building permit is closed.
Haven Home Remodeling Group advises every Miami customer to schedule the wind mitigation inspection as soon as the final building department inspection closes the permit. The credits take effect at the next policy renewal, and delays in scheduling the inspection directly delay the premium savings. Haven’s project concierge can help coordinate the inspection timing so the documentation reaches the insurer well before the renewal date.